XYF.US Reports 65.6% Revenue Surge, 71.4% Loan Growth in Q2 2025

In the second quarter of 2025, XYF.US, a leading fintech company, reported a remarkable 65.6% year-over-year increase in revenue, reaching 22.73 billion yuan. This substantial growth was driven by a record-high total loan facilitation and disbursement amount of 389.9 billion yuan, a 71.4% year-over-year increase. The company's active borrower base also expanded significantly, growing by 73.7% year-over-year to reach 2.85 million individuals. This expansion underscores the company's growing influence in the consumer lending market and its ability to attract a broader range of borrowers.

The surge in loan facilitation and disbursement, coupled with the increase in active borrowers, highlights the company's strategic initiatives and operational efficiencies. The company's total revenue growth of 65.6% indicates a robust financial performance, driven by its core lending business. The significant increase in active borrowers suggests that the company has successfully expanded its customer base, likely through targeted marketing efforts and innovative product offerings.

The company's total loan facilitation and disbursement amount of 389.9 billion yuan is a testament to its strong market position and the trust it has built with its customers. This achievement is particularly noteworthy given the competitive landscape of the consumer lending market. The company's ability to facilitate and disburse such a large volume of loans indicates its operational capabilities and the effectiveness of its risk management strategies.

The company's active borrower base of 2.85 million individuals reflects its success in attracting and retaining customers. This growth in the borrower base is a positive indicator of the company's market penetration and its ability to meet the diverse financial needs of its customers. The company's focus on customer satisfaction and its commitment to providing innovative financial solutions have likely contributed to this growth.

The company's total revenue growth of 65.6% is a significant achievement, reflecting its strong financial performance and its ability to generate revenue from its core lending business. This growth is a testament to the company's strategic initiatives and its focus on operational efficiencies. The company's ability to achieve such a high growth rate in a competitive market is a positive indicator of its market position and its potential for future growth.

Kent Li, the company's president, emphasized the company's commitment to maintaining healthy asset quality and expanding its platform effectively. He noted that the addition of over 427,000 active borrowers this quarter, along with the company's strong financial performance, underscores its focus on long-term value creation. The company's delinquency rates also improved, with the 31-60 day delinquency rate decreasing to 1.16% from 1.29% in the same period last year, and the 91-180 day delinquency rate decreasing to 2.91% from 4.38%.

From January 1, 2025, to August 15, 2025, the company repurchased approximately 16.7 million shares of Class A common stock, including approximately 2.3 million American Depositary Shares, totaling approximately 47.7 million USD. The company had previously used its 50 million USD repurchase authorization in full. With a new 100 million USD repurchase program approved, effective until November 30, 2026, the company currently has approximately 68.2 million USD remaining for repurchases.

Additionally, the company's board of directors declared a semi-annual dividend of 0.28 USD per American Depositary Share. Based on current trends, the company expects the total loan facilitation and disbursement amount for the third quarter of 2025 to be between 320 billion yuan and 340 billion yuan. This projection represents a slight slowdown compared to the record-high levels of the second quarter, as the management focuses more on asset quality and profitability rather than solely on loan volume growth.